LTV · monthly repayment
▼ 0.50% · 3.625%
HK$55,692
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$57,424
−HK$1,760/mo
Today · 4.125%
HK$59,184
baseline
▲ 0.50% · 4.625%
HK$62,785
+HK$3,601/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$118,368/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$61,956
−HK$3,348/mo
▼ 0.25% · 3.875%
HK$63,618
−HK$1,686/mo
Today · 4.125%
HK$65,304
baseline
▲ 0.50% · 4.625%
HK$68,746
+HK$3,442/mo
Deposit HK$12.21M · loan HK$12.21M · min. income ≈ HK$130,608/mo (50% DSR)
Upfront cash ≈ HK$13.25M (deposit + AVD stamp duty HK$1,037,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$66,830
−HK$4,191/mo
▼ 0.25% · 3.875%
HK$68,909
−HK$2,112/mo
Today · 4.125%
HK$71,021
baseline
▲ 0.50% · 4.625%
HK$75,342
+HK$4,321/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$142,042/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,348
−HK$4,016/mo
▼ 0.25% · 3.875%
HK$76,342
−HK$2,022/mo
Today · 4.125%
HK$78,364
baseline
▲ 0.50% · 4.625%
HK$82,495
+HK$4,131/mo
Deposit HK$9.77M · loan HK$14.65M · min. income ≈ HK$156,728/mo (50% DSR)
Upfront cash ≈ HK$10.81M (deposit + AVD stamp duty HK$1,037,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$77,968
−HK$4,890/mo
▼ 0.25% · 3.875%
HK$80,394
−HK$2,464/mo
Today · 4.125%
HK$82,858
baseline
▲ 0.50% · 4.625%
HK$87,899
+HK$5,041/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$165,716/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,037,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$86,739
−HK$4,686/mo
▼ 0.25% · 3.875%
HK$89,065
−HK$2,360/mo
Today · 4.125%
HK$91,425
baseline
▲ 0.50% · 4.625%
HK$96,244
+HK$4,819/mo
Deposit HK$7.33M · loan HK$17.10M · min. income ≈ HK$182,850/mo (50% DSR)
Upfront cash ≈ HK$8.37M (deposit + AVD stamp duty HK$1,037,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$100,245
−HK$6,286/mo
▼ 0.25% · 3.875%
HK$103,363
−HK$3,168/mo
Today · 4.125%
HK$106,531
baseline
▲ 0.50% · 4.625%
HK$113,013
+HK$6,482/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$213,062/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$111,522
−HK$6,025/mo
▼ 0.25% · 3.875%
HK$114,512
−HK$3,035/mo
Today · 4.125%
HK$117,547
baseline
▲ 0.50% · 4.625%
HK$123,743
+HK$6,196/mo
Deposit HK$2.44M · loan HK$21.98M · min. income ≈ HK$235,094/mo (50% DSR)
Upfront cash ≈ HK$3.48M (deposit + AVD stamp duty HK$1,037,996 · Scale 2, in force from 26 Feb 2026)